Jadeveon Clowney to take out huge insurance policy for his huge body

South Carolina Gamecocks defensive end Jadeveon Clowney (7) rushes against the Michigan Wolverines during the first quarter of the 2013 Outback Bowl at Raymond James Stadium. (Kim Klement-USA TODAY Sports)

It has been a busy week for Jadeveon Clowney, and the South Carolina superstar defensive end has not even done anything except go to classes, lift weights, and do whatever other normal 20-something year old college kids do with their time.

Oh yeah, and look into taking out a $5 million insurance policy; he’s been doing that too.

Following calls from several media types (not us, don’t worry) to simply sit out the 2013 college football season to prepare for the 2014 NFL Draft, the 6-foot-6, 256-pound monster is working to guarantee himself a payout should he be injured or not.

Clowney is seeking insurance for his upcoming junior season. Richard “Big Daddy” Salgado, the president of Coastal Advisors LLC, told FOXSports.com that “a member of Clowney’s camp” inquired with his company about obtaining a policy worth as much as $5 million in case of a catastrophic injury that prematurely ends his playing career in 2013. Coastal Advisors has insured and guided 35 other top college prospects over the past 15 years in similar fashion, Salgado said.

Countless athletes have taken out insurance to protect themselves in the case of an injury. Willis McGahee, after suffering a horrific knee injury while playing at Miami, would have received a payout had he been unable to play in the NFL.

Michigan’s Taylor Lewan, who bumped his NFL Draft status into the stratosphere after successfully blocking Clowney for most the Outback Bowl, has chosen to stay in Ann Arbor for his senior year. He too will be buying insurance before an expected top five selection in the 2014 Draft.

The larger argument here is, of course, whether or not the NFL should re-evaluate its three-year rule. Right now, no player may play for an NFL team until he is three years removed from high school.

Generally speaking, the rule is in place for the safety of the players, who’s bodies have yet to develop enough to take on bulkier NFL stars.

However, Clowney has been NFL-ready practically since the day he was born. After a sophomore season that saw him collect 13 sacks despite countless double- and triple-teams, the defensive end may have been the No. 1-overall selection in this year’s draft. He is not eligible because of his age, and playing for free as a collegian is risking millions upon millions upon millions in a professional contract.

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